CASE STUDY
Maximising pension investment returns for the long term
Client Need:
A financial professional was introduced to us after transferring a defined benefit pension into a SIPP.
With no intention to draw from the pension, they viewed it purely as a legacy asset for their children. The goals were to maximise returns over a 30-year horizon while retaining some control over investment decisions.
Our Approach:
Recognising the high-risk tolerance and long investment horizon of this particular client, we segmented their pension assets into three distinct portfolios:
- Core: A discretionary portfolio focused on long-term compound growth
- Satellite: Investing in long-term structural change themes
- Execution only: Allowing the client to make active investment choices, executed and reported through North Capital alongside their other investments
This flexible structure gave the client the control they valued, while ensuring a disciplined, strategic approach to long-term growth.
The Outcome:
- A bespoke investment framework aligned to their legacy goals and market outlook
- Professional oversight where desired, with autonomy where important
- A single, consolidated view of all investment activity
- The relationship expanded into broader wealth planning, as changing tax rules created new considerations
The result was a bespoke strategy that reflected the client's financial acumen and their vision for the next generation
